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Free Disability Income Insurance Practice Questions

Idaho Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Definition of disability, Residual disability, Presumptive disability, Waiver of premium, Cost of living adjustment, Business overhead expense, Taxation of benefits, Own occupation, Any occupation, Recurrent disability, Elimination period effect, COLA rider, Future increase option, Benefit limits, Short-term disability, Social insurance offset, Disability buy-sell, Key employee DI, Social Security disability definition, Probationary period DI, Relation of earnings to insurance, Partial disability benefit, Group long-term disability, Accident vs sickness elimination period, Flat benefit amount, Automatic increase rider, Return of premium rider, Additional monthly benefit rider, Hospital confinement rider, Nondisabling injury benefit, Rehabilitation benefit, Survivor benefit, Catastrophic disability rider, Transition benefit, Occupational classification, Income replacement ratio, Workers compensation offset, Group LTD definition of disability, Retroactive benefit, Maximum benefit period to age 65, Disability benefit

Read the Disability Income Insurance study guide

Sample questions & answers

1. In a disability income policy, the elimination period is:

The waiting period before benefits begin after a disability starts

The elimination period is a deductible measured in time; benefits begin only after it passes, not at the moment of disability.

2. The benefit period in a disability income policy refers to:

The maximum length of time benefits will be paid for a covered disability

The benefit period is the maximum length of time the policy will pay benefits for a covered disability.

3. A disability income policy using an "own-occupation" definition pays benefits when the insured cannot:

Perform the material duties of their own occupation

An own-occupation definition pays when the insured cannot perform the duties of their own occupation, a more liberal standard than any-occupation.

4. A residual (partial) disability benefit is designed to:

Pay a reduced benefit reflecting lost income when the insured returns to work part-time

Residual disability benefits pay a reduced amount in proportion to the income the insured loses while working at reduced capacity.

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Practice: Disability Income Insurance

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.